INSURANCES ACCEPTED


PPOs

PPOs (Preferred Provider Organization) - are independent insurance policies through health plans, where you can choose in-network or out-of-network physicians anytime without requiring authorizations from a primary care doctor.

  • AETNA (PPO)

  • ANTHEM BLUE CROSS (PPO)

  • BLUE SHIELD (PPO)

  • HEALTH NET (PPO)

  • CIGNA (PPO)

  • UNITED HEALTHCARE (PPO)

HMOs (COMMERCIAL)

HMO (Health Maintenance Organization) - are health plans through physician networks, offered by the employer and assigned to a specific primary care physician. All specialist referrals require authorizations from the primary care doctor.

  • ACCEPTED (IPAs / PPGs)

    • OPTUM

    • REGAL

    • LAKESIDE

    • CITRUS VALLEY

COVERED CALIFORNIA

Covered California - is a state Exchange plan for those that don’t qualify for Medi-Cal, but have the option to purchase their health insurance, with the state paying a portion of their premium.

  • LA CARE (via IPA)

    • Preferred IPA

    • CVPG IPA

    • Optum IPA,

  • HEALTH NET (via IPA)

    • Regal,

    • Lakeside,

    • CVPG

    • Health Net (Direct)


STATE & FEDERAL

  1. Medi-Cal (Straight) is the “Medicaid of California”, insurance by state to low-income patients, without HMO network.

  2. Medicare (Straight) is a federal program offered to elderly patients above 65 years, and work-related chronic disabilities after 2 years, without HMO network.

  3. Medi-Medi (Straight): also known as Dual Eligible (Medicare + Medi-Cal), offers 100% coverage for low-incomes individuals without HMO network.


MEDI-CAL (HMO) - Medi-Cal enrolled into HMO groups, assigns to Primary Care Provider (PCP), Participating Physician Group (PPG), via Independent Physicians Associations (IPAs).

  • PREFERRED (IPA)

    • LA Care

    • Blue-Shield Promise

    • Anthem Blue Cross

    • Health Net

    • Molina

  • CITRUS-VALLEY (IPA)

    • La Care

    • Blue Cross

    • Health Net

  • REGAL & LAKESIDE (IPA)

    • Health Net

    • Molina


MEDICARE ADVANTAGE (Senior Plan or Medicare Part C) - For retired patients not eligible for Medi-Cal:

  • 100% coverage within the IPA network.

  • 80% coverage outside the IPA network.

  • Enrollment in the Senior Plan and IPA network ensures full coverage.

  • Our broker can assist with enrollment.

➤ HealthCare Coverages